Citi Rewards+^® Card Review – 20,000 Bonus Points and Big Rewards

Overview

Citi Rewards+^® Card, from our partner Citibank, is a unique personal card that combines many nice features in one card. It gives new card members a moderate bonus, rewards cardholders for everyday purchases, and offers 0% introductory APR on purchases and balance transfers for 15 months. All of these perks come with no annual fee. If you are just looking for a no-annual-fee credit card to earn decent rewards on your regular expenses, the Citi Rewards+^® Card would be a good option.

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Citi Rewards+^® Card

• Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
• Plus, for a limited time, earn 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on the Citi Travel℠ portal through June 30, 2024.
• 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 18.74% - 28.74%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
• Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
• The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
• No Annual Fee

Intro APR

0% on Purchases and Balance Transfers

Intro APR Period

15 months

Regular APR

18.74% - 28.74% (Variable)

Annual Fee (rates & fees)

$0

Card Benefits

Sign-up Bonus

If you spend at least $1,500 in purchases on the credit card within your first 3 months of becoming a card member, you will receive a bonus of 20,000 ThankYou Points, which can be redeemed for $200 in cash rewards or gift cards at thankyou.com.

How to Earn Rewards

For a limited time, you will earn 5 ThankYou Points per dollar spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel Portal through June 30, 2024. And you will also earn 2 ThankYou Points for every dollar you spend at supermarkets and gas stations for the first $6,000 per year and 1 point per $1 spent thereafter. For all other purchases, you will still earn 1 ThankYou Point for every dollar you spend.

For example, if you spend $6,000 on gas, $6,000 on groceries, $12,000 on everything else in a year, you will receive 36,000 ThankYou rewards points, redeemable for $360 in cash rewards. You can use our rewards calculator to find out how many rewards points you may receive.

Rounding up Rewards to the next 10 Points

Your rewards actually round up to the nearest 10 points on every purchase – with no cap. For example, you earn 10 points for a $2 purchase of coffee and earn 30 points for a $21 lunch. It means that in most circumstances, you will earn more rewards than the baseline rewards rates of 2 points per dollar for gas and groceries, and 1 point per dollar for everything else.

How to Redeem Rewards

Points can be redeemed for cash rewards or statement credit, gift cards, travel, or merchandise. When you use points to redeem for gift cards, each point is worth 1 cent, which means that 100 points equals $1 in redemption value. Redemption for gift cards starts at 2,500 points for $25. There are a wide variety of popular gift cards that you can choose from at thankyou.com, such as Target, Home Depot, Lowe’s, Macy’s, GAP, Old Navy, Sephora, Legal Sea Foods, Red Lobster, Chili’s, etc. You can easily redeem the bonus points for a gift cards of your favorite retail store or restaurant.

Annual 10% Points Back

The Citi Rewards+^® Card lets you receive 10% points back for the first 100,000 ThankYou® Points that you redeem per year. For example, if you redeem 15,000 points for the year, you get 1,500 points back, which can be redeemed later.

Additional Information

Fees and 0% Intro APR

This credit card has no annual fee. You can keep the card without having to pay an annual fee. It also lets you enjoy 0% introductory APR on purchases and qualified balance transfers for 15 months. After the intro period ends, the go-to rate of 18.74% - 28.74% (variable) applies. You can use it to carry a credit-card balance and pay no interest for an extended period of 15 months, as long as you make the monthly minimum payments.

Required Credit Rating

The Citi Rewards+^® Card is for people with good or excellent credit scores.

Is this the right card for you?

If you are looking to earn straightforward rewards with well-rounded benefits, the Citi Rewards+^® Card is one of the best credit cards for you. It offers a generous bonus of 20,000 points, redeemable for $200 cash, and up to 5X rewards on purchases. It is the only credit card that automatically rounds up to the nearest 10 points on every purchase. It also lets you earn 10% bonus rewards points for the first 100,000 ThankYou Points you redeem per year. In addition, the Citi Rewards+^® Card has no annual fee.

Similar Credit Cards

If you are interested in the Citi Rewards+^® Card, you may also consider a few other credit cards with similar benefits.

Credit Card		Bonus and Rewards	Annual Fee
	Bank of America® Customized Cash Rewards credit card	$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. 3% cash back in the category of your choice - now with expanded categories, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases. Newly expanded categories based on Bank of America customer feedback! 3% cash back on Gas (to now include Electric Vehicle Charging (EVC) Stations) and Online Shopping (to now include Cable, Streaming, Internet and Phone Services). If you're a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.	$0
	Bank of America® Travel Rewards credit card	25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases. Unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire. If you're a Preferred Rewards member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.	$0
	Bank of America® Premium Rewards® credit card	NEW OFFER! Receive 60,000 online bonus points - a $600 value - after you make at least $4,000 in purchases in the first 90 days of account opening. Unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases. No limit to the points you can earn and your points don't expire. If you're a Bank of America Preferred Rewards member, you can earn 25%-75% more points on every purchase. That means you could earn 2.5-3.5 points on travel and dining purchases and 1.87-2.62 points on all other purchases, for every $1 you spend.	$95
	Chase Sapphire Preferred® Card	60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®. Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel. Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.	$95
	Blue Cash Preferred® Card from American Express	$250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card. That's $10 in statement credits each month. Enrollment required. 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 6% Cash Back on select U.S. streaming subscriptions. 3% Cash Back at U.S. gas stations. 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases.	$0 intro annual fee for the first year, then $95. (fees)
	Blue Cash Everyday® Card from American Express	$200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.	$0 (fees)
	Chase Freedom Unlimited®	Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back! Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.	$0